Mortgages - how do people do it?

I can imagine the OP would feel quite guilty if he left and the business folded. However, the risk of a business failing rests on the owner (in the case of a small, private enterprise).

OP : if the business manages to live hand-to-mount for another 5 or 10 years, will you still be trying to figure out how you can buy a house? It's much easier to look for a job whilst you are in a job. You have an impressive amount of savings which you could live on if the business goes under but why waste them if you don't have to?

Is your relationship with the owner is good enough to sit down and talk about the future? If he/she is a decent person, they should understand you have ambitions and need to earn more (within reason) to fulfil them.
 
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